Top Blogs of The Week:
[blog 1] Featured Blog: 5 Strategies to Minimize Taxes in Retirement
Your IRA or 401(k) may be one of your largest retirement assets — but it comes with a silent partner: the IRS. Without proactive planning, retirees often end up paying far more in taxes than necessary. In this week’s blog, I break down 5 powerful strategies to reduce your tax bill and maximize your pre-tax accounts, including how to:
✅ Use deductions for tax-free withdrawals
✅ Fill up the lowest tax brackets each year
✅ Leverage Roth conversions for tax-free growth
✅ Time Social Security and capital gains strategically
👉 Read the full article here
[blog 2] The Hidden Retirement Risk Most People Miss
When most people think about retirement risks, they focus on market crashes, inflation, or outliving their savings. But the real danger is often less obvious: Sequence-of-Return Risk. A poorly timed market downturn — especially in the critical window around retirement — can derail even the best-laid plans.
In this week’s article, I break down:
⚠️ Why the order of market returns matters more than averages
⚠️ How the “critical window” can shape your entire retirement
⚠️ Practical strategies to protect yourself (safety-first income, buckets, Roth conversions, and more)
👉 Read the full article here
[blog 3] Why the 4% Rule Often Fails in Real Life
The famous “4% Rule” says you can safely withdraw 4% of your portfolio each year and never run out of money. But there’s one problem: it assumes you’ll invest like a robot — never panicking in downturns or chasing gains in booms.
In reality, emotions change everything. Research shows that behavioral mistakes can shrink the safe withdrawal rate from 4% ➡️ 3% — cutting income by 25%.
In this week’s article, I explain:
⚠️ Why emotions make retirement riskier than the math suggests
⚠️ How behavioral investing reduces safe withdrawal rates
⚠️ The Safety-First Income approach that protects you from fear and FOMO
👉 Read the full article here